Financial counselling is free, confidential support for people in debt or money stress. Counsellors don’t lend money or sell products—they help you understand your options and work with your creditors.
What does a financial counsellor do?
They look at your income, debts, and expenses and help you make a plan. They can explain hardship options, negotiate with lenders on your behalf, and refer you to other services (e.g. legal, mental health). They don’t give investment or tax advice; they focus on getting you on a steadier footing.
When should I contact one?
Reach out if you’re behind on bills, can’t keep up with repayments, are being chased by debt collectors, or feel overwhelmed by money. You don’t need to be in crisis—early contact can prevent things getting worse.
Is it really free?
Yes. Community-based financial counselling services are free. They’re funded so that anyone in difficulty can access help without paying. Be wary of anyone charging for “debt counselling” or “debt negotiation” and check that you’re using an accredited service.
How do I find one?
Search online for “free financial counselling” and your state or territory, or call the national helpline. You’ll be directed to a local service. Bring your recent bills, loan statements, and a rough idea of your income and spending so you can make the most of the session.